28 th Annual Kenneth N. Houston Memorial Golf Tournament

Size: px
Start display at page:

Download "28 th Annual Kenneth N. Houston Memorial Golf Tournament"

Transcription

1 September 1, 2014 Catawba Valley PCEA Newsletter CATAWBA VALLEY NEWSLETTER Vol Issue 9 Please join us on Friday Chapter Officers: President Will Clayton President-Elect Chris Lefevers 1 st Vice President Stacey Walker 2 nd Vice President Steve Smart Secretary Melissa Swanson Treasurer Randall Williams Newsletter Editor Melissa Swanson September 12 th 10:30 am Check in 12:00 noon Shotgun Start Catawba Springs CC 28 th Annual Kenneth N. Houston Memorial Golf Tournament Silver Sponsors: Professional Construction Estimators Association Catawba Valley Chapter Bronze Sponsor: PCEA-Catawba Valley Chapter PO Box 547 Hickory, NC pcea-catawbavalley@charter.net Register online at:

2 UPCOMING PCEA EVENTS September 12 th Kenneth N Houston Memorial Golf Tournament at Catawba Springs CC October 9 th Monthly Business Meeting November 3 th Monthly Business Meeting The fundraiser for the Eckard Family held on August was a success. Thanks to all who supported this fundraiser and special thanks to David Deal for coordinating the event. As many of you are aware, Josh Eckard, the son of long-time PCEA member Tony Eckard, was seriously injured in a motorcycle accident on Friday, July 4th. He was air-lifted to Baptist Hospital in Winston-Salem, where he was in ICU and CCU for 13 days. Josh suffered numerous internal and external injuries, including: broken nose, broken chin, shattered jaw, 2 teeth driven up behind his nose, 2 more teeth knocked out, broken sternum, 6 broken ribs, a bruised heart, both lungs partially collapsed, and bleeding on his brain. He has had one surgery so far to put his jaw back together, and faces several more surgeries and has some major milestones to overcome on his road to recovery. We will have an update on Josh in the October newsletter. Please send any Health & Happiness to Rick Frady, Catawba County Building Inspections rfrady@catawbacountync.gov

3

4

5

6

7

8 Construction Industry Missing Key Tool: Skilled Construction Indu e w w.npr.o Workers by Miles Bryan August 06, 2014 After laying off roughly 2 million workers during the recession, the construction industry may not have enough crews to keep up with demand for building projects. It's a beautiful day and Jeremy Smith, the business manager for a school district in northern Wyoming, is showing off the new Tongue River Elementary School or at least the plot of land where the school should be. "What you're going to see when you get up here a little bit closer is you are going to just see pasture," Smith says. The school was supposed to be under construction by now, but last month state officials said they didn't have the money. The district sought to keep costs down by borrowing the design for its new school from one that had been built last year in a nearby town. "[That school] was built for about $211 a square foot," Smith says. "When we opened bids on the same school it was [$280]." In other words, the new Tongue River would cost 33 percent more than the same school design did last year, just 30 miles away. It's a problem of supply and demand: There is a massive construction boom right now but construction workers are few and far between. Largely fueled by the energy industry, tens of billions of dollars of development is in the works along the Gulf Coast and in the Midwest. This year there is almost as much construction work in energy boom states like Wyoming as there was in But back then, there were about 6 million Americans working in commercial construction. Now, there are only about 4.5 million.

9 With roughly 20 percent fewer skilled workers in the construction industry, trade apprenticeships for young people are helping to ease the shortage. But it may be too little, too late. Ron Kaiser, the vice president of Mike's Electric, one of the contractors that bid high on the new school, says he sees this play out on a daily basis. "Usually there's people waiting and willing to come to work," Kaiser says. "I've been with the business since '99, and it's the worst I've seen." He says he's had to raise benefits to attract enough workers. "What's really strange, you go into an interview and they're actually interviewing you instead of you interviewing them," Kaiser says. Mike Glavin, a senior manager with the Associated Builders and Contractors, an industry trade association, says that after construction took a nosedive six years ago a lot of skilled workers left the business, and they haven't come back. Many of the workers that did stay were older, and now they're starting to think about retirement. "If you're a very highly skilled welder you can pretty much write your own ticket," Glavin says. But he says this has contractors concerned about the future. "Five to 10 years from now... the folks that they have are going to be leaving the industry, and they don't necessarily see a replacement for those folks." One possible replacement is Michael Swanson. He's an apprentice electrician and currently working a summer job rewiring the University of Wyoming's engineering building. Swanson actually studied engineering at college for a year, but he says it was because he felt like he had to. "They almost made it seem like you either go to college or you amount to nothing," Swanson says. "Coming from teachers, from parents, from other kids. It just pretty much you either go to school or you end up working at McDonald's." Swanson says being an electrician is really satisfying, both intellectually and financially. "I can take time off when I need," he says. "I don't have to work overtime without being paid like I would with a salaried job like an engineer." And Swanson says as an apprentice he's making $26 an hour and he's saving up to buy a house soon. But a lot more young people like Swanson are needed in the near future to meet demand in Wyoming, and all around the U.S. Swanson says that when he started his apprenticeship program it could hold 60 students, but 20 enrolled and only 12 graduated. The Associated Builders and Contractors estimates the construction industry is facing a shortage of almost 2 million skilled workers by the end of the decade.rticle credits

10 Catawba Valley PCEA Newsletter September 1, 2014 Vol Issue 9 Board of Directors Meeting Dates (Please Save these Dates) S e p t e m b e r 2 4 t h O c t o b e r 3 0 t h N o v e m b e r 2 6 t h D e c e m b e r 2 t h PCEA - Catawba Valley Chapter PO Box 547 Hickory, NC 28603

Profiles of Civil Engineers

Profiles of Civil Engineers Profiles of Civil Engineers Chris A. Bell, Ph.D., P.E. Associate Dean Oregon State University Corvallis, OR Education: B.S., Civil Engineering, University of Nottingham, UK Ph.D., University of Nottingham,

More information

Spinal Decompression Therapy Testimonials

Spinal Decompression Therapy Testimonials Spinal Decompression Therapy Testimonials Please read what our patients have to say about Spinal Decompression Therapy Ron Gregory Before using spinal decompression at Dr. Huber's Spinal aid office I had

More information

PRE-TOURNAMENT INTERVIEW TRANSCRIPT: Tuesday, January 27, 2015

PRE-TOURNAMENT INTERVIEW TRANSCRIPT: Tuesday, January 27, 2015 PRE-TOURNAMENT INTERVIEW TRANSCRIPT: Tuesday, January 27, 2015 LYDIA KO MODERATOR: Happy to be joined in the media center by Rolex Rankings No. 2, Lydia Ko. Lydia, you're coming off winning the CME last

More information

How 5 Small Firms Handle High Gas Prices

How 5 Small Firms Handle High Gas Prices Small Business Return to Article How 5 Small Firms Handle High Gas Prices Laurie Kulikowski 03/09/11-02:40 PM EST NEW YORK (TheStreet) -- Small-business owners with fuel as a major expense are being forced

More information

Benefit Solutions for Federal Employees

Benefit Solutions for Federal Employees Benefit Solutions for Federal Employees Accident insurance: You re not a kid anymore, even if you still play like one Insurance that helps you act the age you feel Because you re never too old to have

More information

Newsletter no. 3. Rehab in focus. www.centraldenmark.cn. Shanghai June, 2011

Newsletter no. 3. Rehab in focus. www.centraldenmark.cn. Shanghai June, 2011 Shanghai June, 2011 Newsletter no. 3 Rehab in focus In April and May Central Denmark Region Shanghai office has focused on the disabled and rehabilitation sector in Shanghai. Among other things several

More information

Statement of Matt Woodruff. on behalf of. Kirby Corporation. before the. Committee on Environment and Public Works. United States Senate.

Statement of Matt Woodruff. on behalf of. Kirby Corporation. before the. Committee on Environment and Public Works. United States Senate. Statement of Matt Woodruff on behalf of Kirby Corporation before the Committee on Environment and Public Works United States Senate May 6, 2010 Chairwoman Boxer, Ranking Member Inhofe, committee members

More information

2. New wiring: Save money and lives. 10 hidden home insurance credits. By Jay MacDonald Bankrate.com. February 3, 2011

2. New wiring: Save money and lives. 10 hidden home insurance credits. By Jay MacDonald Bankrate.com. February 3, 2011 10 hidden home insurance credits By Jay MacDonald Bankrate.com February 3, 2011 Save big with home insurance credits When looking for ways to save on home insurance, many homeowners stop at a smoke detector,

More information

Department Costs Analysis 2/24/2014

Department Costs Analysis 2/24/2014 Academic Year 20122013 (Including Summer School 2013) SCHOOL ENROLLMENT ON (110112) 947 SOPHOMORE ENROLLMENT ON (110112) 239 INSTRUCTIONAL BUDGET FOR ACADEMIC YEAR (201213) ENGLISH SALARIES BENEFITS TOTALS

More information

MINUTES OF THE REGULAR PUBLIC MEETING

MINUTES OF THE REGULAR PUBLIC MEETING MINUTES OF THE REGULAR PUBLIC MEETING A regular scheduled meeting of the Elk Grove Park District, Cook County, State of Illinois was held on October 10, 2013, in the Administration Building of said Park

More information

A: We really embarrassed ourselves last night at that business function.

A: We really embarrassed ourselves last night at that business function. Dialog: VIP LESSON 049 - Future of Business A: We really embarrassed ourselves last night at that business function. B: What are you talking about? A: We didn't even have business cards to hand out. We

More information

Ch. 6.1 #7-49 odd. The area is found by looking up z= 0.75 in Table E and subtracting 0.5. Area = 0.7734-0.5= 0.2734

Ch. 6.1 #7-49 odd. The area is found by looking up z= 0.75 in Table E and subtracting 0.5. Area = 0.7734-0.5= 0.2734 Ch. 6.1 #7-49 odd The area is found by looking up z= 0.75 in Table E and subtracting 0.5. Area = 0.7734-0.5= 0.2734 The area is found by looking up z= 2.07 in Table E and subtracting from 0.5. Area = 0.5-0.0192

More information

Supporting Families of Children with Cancer

Supporting Families of Children with Cancer Supporting Families of Children with Cancer The Starfish Story Original Story by: Loren Eisley One day a man was walking along the beach when he noticed a boy picking something up and gently throwing it

More information

Buying and selling residential property. IR313 September 2015

Buying and selling residential property. IR313 September 2015 IR313 September 2015 Buying and selling residential property What you need to know about your tax obligations Proposed changes to tax on property sales, see the Taxation (Bright-line Test for Residential

More information

MOORESVILLE HIGH SCHOOL RENOVATION A CASE STUDY IN COMMUNICATION

MOORESVILLE HIGH SCHOOL RENOVATION A CASE STUDY IN COMMUNICATION MOORESVILLE HIGH SCHOOL RENOVATION A CASE STUDY IN COMMUNICATION 02 THE KORTE COMPANY LISTEN BEFORE YOU BUILD The more things change, the more they stay the same. Today s children learn using computers,

More information

Boy Scout Troop 768. A Newsletter for Scouts & Parents Ramona, CA March 2015. Newsletter/Committee Meeting Minutes

Boy Scout Troop 768. A Newsletter for Scouts & Parents Ramona, CA March 2015. Newsletter/Committee Meeting Minutes Boy Scout Troop 768 A Newsletter for Scouts & Parents Ramona, CA March 2015 Newsletter/Committee Meeting Minutes From the Newsletter Author Hello Everyone, I apologize for being a bit tardy on the delivery

More information

Jacksonville North Pulaski S C H O O L D I S T R I C T

Jacksonville North Pulaski S C H O O L D I S T R I C T Norris Cain Daniel Gray Ron McDaniel Carol Miles Richard Moss Robert Price LaConda Watson Jacksonville North Pulaski S C H O O L D I S T R I C T Regular School Board Meeting Jacksonville City Hall September

More information

How To Increase Your Odds Of Winning Scratch-Off Lottery Tickets!

How To Increase Your Odds Of Winning Scratch-Off Lottery Tickets! How To Increase Your Odds Of Winning Scratch-Off Lottery Tickets! Disclaimer: All of the information inside this report reflects my own personal opinion and my own personal experiences. I am in NO way

More information

2013 Real Estate Report Portland, OR

2013 Real Estate Report Portland, OR Nick krautter, pc Principal Broker 2013 Real Estate Report Portland, OR Market Trends Unique Benefits Distressed Properties Positive Leverage Your real estate team Current Opportunities SellPDX.com Market

More information

7 Success Factors for an Effective Online Lead Generation System

7 Success Factors for an Effective Online Lead Generation System 7 Success Factors for an Effective Online Lead Generation System By: Derrick Markotter IdealMedia Marketing IdealMedia.co.za 7 Success Factors for an Effective Online Lead Generation System Brought to

More information

Leave a legacy. Save a life

Leave a legacy. Save a life Leave a legacy Save a life GreAt North Air AmbulANce registered charity No. 1092204 Why we need your help Since 2001, the Great North Air Ambulance Service has grown from a one man operation to a leading

More information

Tom>> In an interview with medical correspondent Kate Milliken, Dr. LaRocca explains what health services research is and what they ve been learning.

Tom>> In an interview with medical correspondent Kate Milliken, Dr. LaRocca explains what health services research is and what they ve been learning. MS Learn Online Feature Presentation Health Services Research Nicholas LaRocca, PhD Tracey>> Hello, I m Tracey Kimball Tom>> And I m Tom Kimball. Welcome to MS Learn Online. When we talk about MS research

More information

Debt Comparison by Unit Type

Debt Comparison by Unit Type QUESTIONS from the COMMUNITY 1. Recently, it was put out that our school district was over $4,000,000 in debt. A website was also introduced that had some of this statistical data. What is the story with

More information

Pipeline Course - A Review

Pipeline Course - A Review Pipeline Course IRWA S NEW Innovative Educational Course Takes Shape Pilot Presentation of the IRWA s New Pipeline Course is a Resounding Success By David W. Sinclair, SR/WA, International Pipeline Committee

More information

Gulf Coast PHCC News. Do you Have the Best Service Truck In Town? Prove it & Enter the 2014 Service Truck Contest! March 2014

Gulf Coast PHCC News. Do you Have the Best Service Truck In Town? Prove it & Enter the 2014 Service Truck Contest! March 2014 Gulf Coast PHCC News March 2014 2013 2014 Board of Directors President, Todd Iocco Epic Services Vice President, Sean Giuliani Wedgeworth Plumbing Secretary, Ignacio Alfaro Channelview Plumbing Treasurer,

More information

Occupational and Career Outlook for MIS Majors 2012-2018. Ken Laudon New York University Stern School of Business 2011

Occupational and Career Outlook for MIS Majors 2012-2018. Ken Laudon New York University Stern School of Business 2011 Occupational and Career Outlook for MIS Majors 2012-2018 Ken Laudon New York University Stern School of Business 2011 Total employment in the United States is expected to increase by about ten percent

More information

Attorneys Outline Texas Water Law Cases Before Supreme Court

Attorneys Outline Texas Water Law Cases Before Supreme Court Attorneys Outline Texas Water Law Cases Before Supreme Court By David Bowser AMARILLO "It's really turned into an interesting fight," says Marvin "Marty" Jones, an Amarillo lawyer with Sprouse Schrader

More information

How To Get A Reverse Mortgage

How To Get A Reverse Mortgage Celebrating Over 74 Years of Service 1940-2014 Summer 2014 Quarterly Newsletter from Windsor Locks Federal Credit Union JUST GRADUATED? OUR FIRST TIME CAR BUYER PLAN WILL PUT YOU IN THE DRIVER S SEAT!

More information

MINISTRIES IN THE NORTH COUNTRY an ecumenical ministry of the Presbytery of

MINISTRIES IN THE NORTH COUNTRY an ecumenical ministry of the Presbytery of MINC MINISTRIES IN THE NORTH COUNTRY an ecumenical ministry of the Presbytery of Rural Rehab Warmer, safer, dryer $ 80,500 Northern New York This is our motto. We insulate and side homes, and replace windows.

More information

PARENTS GET TOGETHER TO SUPPORT EACH OTHER: Group helps parents of teens cope

PARENTS GET TOGETHER TO SUPPORT EACH OTHER: Group helps parents of teens cope PARENTS GET TOGETHER TO SUPPORT EACH OTHER: Group helps parents of teens cope By Dawn Frasieur The Berkeley Voice, April 2, 1992, p. 3 and 12. The conversation moved from subject to subject: the crisis

More information

Specifications Consultants in Independent Practice www.scip.com

Specifications Consultants in Independent Practice www.scip.com Specifications Consultants in Independent Practice www.scip.com PRESIDENT S MESSAGE David Lorenzini, FCSI, CCS, SCIP May 2014 Sheryl Dodd-Hansen, FCSI, CCS, CCCA, SCIP Editor GENERAL As our two-year terms

More information

Accident Coverage Details

Accident Coverage Details Accident Coverage Details Choose Level 1 or Level 2 Benefits Accident Coverage provides 24-hour coverage or off-the-job coverage. Select the level of coverage that best meets your needs and budget. BENEFITS

More information

access statewide, professional and workforce needs in two BOG-defined critical-needs areas: Educational Leadership and Curriculum and Instruction

access statewide, professional and workforce needs in two BOG-defined critical-needs areas: Educational Leadership and Curriculum and Instruction strategies that improve practices and outcomes in organizations, especially schools. They will have the ability to carry out applied research and translate those results into strategies for continuous

More information

FIRST ANNUAL REGIONAL CONFERENCE IN CORPUS CHRISTI

FIRST ANNUAL REGIONAL CONFERENCE IN CORPUS CHRISTI VOLUME 4 November 2010 2010 STITE Officers: P.E. Pape-Dawson Engineers,! ""#$! %&' Pate Engineers %' %!(!!)! *%' %! '! Committee Chairs: Membership: Mike Garza, Pate Engineers. Website: City of San Antonio

More information

TRACK s First Year Deemed Successful as Plans to Expand Move Forward

TRACK s First Year Deemed Successful as Plans to Expand Move Forward TRACK s First Year Deemed Successful as Plans to Expand Move Forward The Tech Ready Apprentices for Careers in Kentucky (TRACK) program finished its pilot year with all of the student participants moving

More information

Career paths require more education after high school Tuesday, October 14, 2008 By Eleanor Chute, Pittsburgh Post-Gazette

Career paths require more education after high school Tuesday, October 14, 2008 By Eleanor Chute, Pittsburgh Post-Gazette Career paths require more education after high school Tuesday, October 14, 2008 By Eleanor Chute, Pittsburgh Post-Gazette More and more high school graduates are finding they need postsecondary education

More information

Chapter 1 Introduction

Chapter 1 Introduction 1 CHAPTER This chapter lays the foundation for your increased understanding of the process of electrical estimating and submitting bids. It also covers the basic concepts about estimating and bidding that

More information

Arden Medical Centre

Arden Medical Centre Arden Medical Centre Dr Nigel C Wood Albany Road MB BS MRCP DRCOG Stratford-upon-Avon Dr Jill Crowfoot CV37 6PG MB ChB MRC GP DRCOG Tel: (01789) 414942 Dr Hazel Blanchard Fax: (01789) 296427 MB ChB MRCGP

More information

Reverse Mortgages as Financial Planning Tools

Reverse Mortgages as Financial Planning Tools Idaho NEWS News September 2006 IDAHO CHAPTER 2006 Board of Directors President Robb Schober Beneficial Financial Group 336-6099 Programs / Sponsors Larry Halvorson, CLU, ChFC Massachusetts Mutual Life

More information

BOARD OF TRUSTEES JANUARY MEETING MINUTES Tuesday, January 27, 2015 3:00 P.M.

BOARD OF TRUSTEES JANUARY MEETING MINUTES Tuesday, January 27, 2015 3:00 P.M. BOARD OF TRUSTEES JANUARY MEETING MINUTES Tuesday, 3:00 P.M. MEMBERS PRESENT: MEMBERS ABSENT: Others Present: Kevin Bailey, Ron Mischke, Gene Davis, David Smith, Gary Miller and Dixie See Dr. Strahan,

More information

Dr. Ronald Smith DVM

Dr. Ronald Smith DVM Dr. Ronald Smith DVM I grew up in Canon City and graduated in 1973 from Canon City High School. I attended Colorado State University where I received my Doctor of Veterinary Medicine in 1981. After spending

More information

Tampa Housing Authority. YouthBuild School

Tampa Housing Authority. YouthBuild School Tampa Housing Authority YouthBuild School C.C.G. Developers Non-profit organization working in collaboration with the Tampa Housing Authority Damien Beal Pascale D. Edouard Steve Baumann Development Concept

More information

c01_1 09/18/2008 1 CHAPTER 1 COPYRIGHTED MATERIAL Attitude Is Everything in a Down Market http://www.pbookshop.com

c01_1 09/18/2008 1 CHAPTER 1 COPYRIGHTED MATERIAL Attitude Is Everything in a Down Market http://www.pbookshop.com c01_1 09/18/2008 1 CHAPTER 1 Attitude Is Everything in a Down Market COPYRIGHTED MATERIAL c01_1 09/18/2008 2 c01_1 09/18/2008 3 Whether you think you can or you think you can t, you are right. Henry Ford

More information

An oral history interview with Janet Perna, member of the WITI Hall of Fame, conducted on.july 29th, 2003, by IBM Corporate Archivist Paul Lasewicz.

An oral history interview with Janet Perna, member of the WITI Hall of Fame, conducted on.july 29th, 2003, by IBM Corporate Archivist Paul Lasewicz. An oral history interview with Janet Perna, member of the WITI Hall of Fame, conducted on.july 29th, 2003, by IBM Corporate Archivist Paul Lasewicz. LASEWICZ: Thank you for agreeing to sit down with us.

More information

HIGH SPEED INTERNET?

HIGH SPEED INTERNET? Title: Size: CAN IOWA SCHOOLS BE SAVED BY HIGH SPEED INTERNET? Rural district takes its message to state Capitol: Help us thrive, expand broadband JASON CLAYWORTH AND RODNEY WHITE JCLAYWORTH@DMREG.COM

More information

THERE WILL BE NO MEETING IN JUNE OR JULY NEXT MEETING WILL BE AUGUST 6TH. MORE INFORMATION TO FOLLOW

THERE WILL BE NO MEETING IN JUNE OR JULY NEXT MEETING WILL BE AUGUST 6TH. MORE INFORMATION TO FOLLOW THERE WILL BE NO MEETING IN JUNE OR JULY NEXT MEETING WILL BE AUGUST 6TH. MORE INFORMATION TO FOLLOW THANK YOU FOR RENEWING DENVER LANDSCAPE JULY RENEWALS C3 CONSTRUCTION DON HARTSOE BUILDERS LEATHERMAN

More information

Over the past several years Google Adwords has become THE most effective way to guarantee a steady

Over the past several years Google Adwords has become THE most effective way to guarantee a steady Killer Keyword Strategies - Day 3 "How To Virtually Guarantee That You Find Profitable Keywords For Google Adwords..." Over the past several years Google Adwords has become THE most effective way to guarantee

More information

Swing Fore Kids Education

Swing Fore Kids Education 2015 Kids Chance Golf Tournament Swing Fore Kids Education Sponsorship & Team Packages Friday, October 2, 2015 9:00 a.m. Shotgun Start Big Bend Golf Course Tornado, West Virginia Kids Chance of West Virginia

More information

Interview by Jemma Purdey with Suryanto, Melbourne, 15 May 2014

Interview by Jemma Purdey with Suryanto, Melbourne, 15 May 2014 Interview by Jemma Purdey with Suryanto, Melbourne, 15 May 2014 MA, Nursing, Monash; PhD, Nursing, Monash, 2010 cohort [00:00:07] Originally from Malang, East Java, taught in the School of Nursing at Brawijaya

More information

Interview With A Teen. Great Family. Outstanding Education. Heroine Addict

Interview With A Teen. Great Family. Outstanding Education. Heroine Addict Interview With A Teen. Great Family. Outstanding Education. Heroine Addict I recently had the incredible opportunity to interview a young man, Gregor, who very quickly fell into a dependent situation with

More information

Texas Lawyer: The State of Rates

Texas Lawyer: The State of Rates ALM Properties, Inc. Page printed from: Texas Lawyer Back to Article The State of Rates Starting a law firm during a recession may not be easy, but Ralph Perez, a bankruptcy lawyer in Corpus Christi did

More information

Profiles of Chemical Engineers

Profiles of Chemical Engineers Profiles of Chemical Engineers Liza Munda Associate Process Engineer Genentech San Francisco, CA Education: B.S. - Chemical Engineering, California Polytechnic State University, San Luis Obispo Job Description:

More information

Are Reverse Mortgages Really Expensive? By Diogo Teixeira June 10, 2008

Are Reverse Mortgages Really Expensive? By Diogo Teixeira June 10, 2008 Are Reverse Mortgages Really Expensive? By Diogo Teixeira June 10, 2008 Advisor Perspectives welcomes guest contributions. The views presented here do not necessarily represent those of Advisor Perspectives.

More information

English as a Second Language Podcast www.eslpod.com. ESL Podcast 276 The Stock Market

English as a Second Language Podcast www.eslpod.com. ESL Podcast 276 The Stock Market GLOSSARY stock market the stock exchange; the buying and selling of stocks or shares (small parts in the ownership of a public company) * Dora decided to enter the stock market by buying stock in three

More information

Board Minutes Westover, Maryland October 18, 2011

Board Minutes Westover, Maryland October 18, 2011 Board Minutes Westover, Maryland October 18, 2011 By unanimous agreement, the Somerset County Board of Education convened in an open work session at 5:00 p.m., and a closed session at 6:00 p.m. on October

More information

Principal Reflection Paper

Principal Reflection Paper R e f l e c t i o n P a p e r 1 Principal Reflection Paper Michael Ricke South Dakota State University EDAD 707 The Principalship Dr. Kenneth Rasmussen July 24, 2013 R e f l e c t i o n P a p e r 2 Introduction

More information

Before launching into the healthcare sign-up process, understand how the policies work. By Geoff Williams April 16, 2014

Before launching into the healthcare sign-up process, understand how the policies work. By Geoff Williams April 16, 2014 A NEWSLETTER CONCERNING COVERAGE AND BENEFITS Second Quarter 2014 Understanding health insurance is confusing enough - - - With the onset of the Affordable Care Act (ACA), it has clouded the issue even

More information

Northwest Region of Missouri State Teachers Association For High School Seniors

Northwest Region of Missouri State Teachers Association For High School Seniors Northwest Region of Missouri State Teachers Association For High School Seniors Instructions to Applicants Students must be seeking a degree in Education and must stay in the field of study to receive

More information

How To Help Your Child With Your Ministry

How To Help Your Child With Your Ministry Having trouble viewing this email?click here Ox Hill Children's Ministry July/August 2014 Newsletter In This Issue Vacation Bible School Ox Hill Summer Nights Upcoming Children's Events Computer Learning

More information

SENATE RESOLUTION No. 78 STATE OF NEW JERSEY. 214th LEGISLATURE INTRODUCED JULY 1, 2010

SENATE RESOLUTION No. 78 STATE OF NEW JERSEY. 214th LEGISLATURE INTRODUCED JULY 1, 2010 SENATE RESOLUTION No. STATE OF NEW JERSEY th LEGISLATURE INTRODUCED JULY, 00 Sponsored by: Senator SEAN T. KEAN District (Monmouth) Senator ANDREW R. CIESLA District 0 (Monmouth and Ocean) Co-Sponsored

More information

When Even Wealthy Homeowners Are Using Reverse Mortgages, The Question Is: Why Aren't You?

When Even Wealthy Homeowners Are Using Reverse Mortgages, The Question Is: Why Aren't You? When Even Wealthy Homeowners Are Using Reverse Mortgages, The Question Is: Why Aren't You? Buck Wargo, Senior Editor, NiC Magazine NowItCounts.com 10/09/2014 When even the so called "mass affluents" and

More information

Manage to Own. Program

Manage to Own. Program Manage to Own Manage to Own Overview The Manage to Own is a vehicle for high calibre individuals who ultimately want to own their own franchise, but do not necessarily have the financial capability to

More information

Housing As We Grow Older: Independent Choices 1

Housing As We Grow Older: Independent Choices 1 FCS3188 Housing As We Grow Older: Independent Choices 1 Virginia Peart and Carolyn Wilken 2 Most people (86 percent) want to "age in place" or stay in their own homes as long as they are able. Moving to

More information

Kids Clubs, Youth Savings, & Student Checking

Kids Clubs, Youth Savings, & Student Checking Kids Clubs, Youth Savings, & Student Checking Introduction Dear Client, Our new manual, Kids Clubs, Youth Savings, & Student Checking, is packed with successful marketing strategies and promotional campaigns

More information

How Disability Income Insurance Contracts Define Disability

How Disability Income Insurance Contracts Define Disability WD & Associates WILLIAM DELMAGE President 22 Hemingway Drive East Providence, RI 02915 (401) 435-4239 103 wmd@wdandassociates.com www.wdandassociates.com How Disability Income Insurance Contracts Define

More information

Chief Building Official

Chief Building Official Chief Building Official To be considered, please submit a cover letter, résumé with salary history and five (5) professional references to: Ms. Patricia Palmer Director, Community and Human Resources 22

More information

Workers compensation finances crisis or smokescreen?

Workers compensation finances crisis or smokescreen? Workers compensation finances crisis or smokescreen? Over the past 20 years, the unfunded liability has been offered as the reason for eliminating full cost-of-living adjustment of injured worker benefits

More information

38 Salary Continuation. Learn How You Can Keep the People Most Responsible for Your Profitability

38 Salary Continuation. Learn How You Can Keep the People Most Responsible for Your Profitability 38 Salary Continuation Learn How You Can Keep the People Most Responsible for Your Profitability How do you get your best people to remain with your company until they retire? The ones responsible for

More information

724-775-6640. Mike Spanik Larry McDaniels Dave Hodge. You can contact the Nominating Committee at

724-775-6640. Mike Spanik Larry McDaniels Dave Hodge. You can contact the Nominating Committee at Vol. 32, No. 1 A Quarterly Newsletter Published By West-Aircomm Federal Credit Union Pay Off Your Mortgage WAC Home Equity Refinance Loan Great Rate 3.85% APR & Low Closing Costs It appears that interest

More information

Small Business makeover: Air Quality Control Environmental in Coral Springs

Small Business makeover: Air Quality Control Environmental in Coral Springs Page 1 of 5 Posted on Sun, Apr. 06, 2014 Small Business makeover: Air Quality Control Environmental in Coral Springs BY JULIE LANDRY LAVIOLETTE Special to the Miami Herald AL DIAZ / MIAMI HERALD STAFF

More information

COUNTY OF CATTARAUGUS INDUSTRIAL DEVELOPMENT AGENCY

COUNTY OF CATTARAUGUS INDUSTRIAL DEVELOPMENT AGENCY COUNTY OF CATTARAUGUS INDUSTRIAL DEVELOPMENT AGENCY BOARD MEETING MINUTES-(SPECIAL BOARD MEETING) May 11, 2015 CCIDA OFFICE 9 East Washington Street Ellicottville, New York 9:30 a.m. Roll Call: -Taken-

More information

The Skeleton Project Fletcher Jones Phil Smith, CEO, Fletcher Jones

The Skeleton Project Fletcher Jones Phil Smith, CEO, Fletcher Jones TRANSCRIPT The Skeleton Project Fletcher Jones Phil Smith, CEO, Fletcher Jones Hi. I'm Phil Smith and I'm the CEO of Fletcher Jones. Fletcher Jones is an apparel retail organisation that's been around

More information

A Happy Christmas and New Year to all in Odiham District. County Scrapheap Challenge Competition

A Happy Christmas and New Year to all in Odiham District. County Scrapheap Challenge Competition Inside This Issue 1 29 th Pondtail County Scrap Heap Challenge 2 New Groups in Odiham District 3 It's Behind You! 4 1 st Crookham's Shelterbox 5 What's on A Happy Christmas and New Year to all in Odiham

More information

School Insurance of Florida Student Accident Insurance. Visit WWW. SCHOOLINSURANCEOFFLORIDA.COM

School Insurance of Florida Student Accident Insurance. Visit WWW. SCHOOLINSURANCEOFFLORIDA.COM School Insurance of Florida Student Accident Insurance Visit WWW. SCHOOLINSURANCEOFFLORIDA.COM How to Enroll Visit the website to print an enrollment application, or you may also obtain one from the school

More information

Sure did, sis! The bank upped my credit card limit to $5000. I ve maxed it out already!

Sure did, sis! The bank upped my credit card limit to $5000. I ve maxed it out already! JOSH Hey Josh, did you score a new game? Sure did, sis! The bank upped my credit card limit to $5000. I ve maxed it out already! He got this new phone too. You can download awesome apps for it and surf

More information

Bike Paths SUGGESTED SAFE BIKE RIDING RULES

Bike Paths SUGGESTED SAFE BIKE RIDING RULES SUGGESTED SAFE BIKE RIDING RULES (Courtesy of the Bicycle Manufacturers Association of America, Inc. and the NYS Department of Health) 1. Obey all applicable traffic regulations, lights, signs and markings.

More information

PTA Insurance FAQ. AIM Association Insurance Management PO Box 742946 Dallas, TX 75374-2946 (800) 876-4044 fax (214) 360-0802

PTA Insurance FAQ. AIM Association Insurance Management PO Box 742946 Dallas, TX 75374-2946 (800) 876-4044 fax (214) 360-0802 PTA Insurance FAQ Below is a list of the most commonly asked questions folks have when using our website. And of course we're always here to help, if you cannot find the answer you are looking for please

More information

I have 8 children and we have had anthem since 1992. I would prefer to keep anthem and our doctors.

I have 8 children and we have had anthem since 1992. I would prefer to keep anthem and our doctors. Which health insurance carrier do you prefer? Comments (optional) I have 8 children and we have had anthem since 1992. I would prefer to keep anthem and our doctors. I would like to be able to continue

More information

Sample Webinar Email Sequence

Sample Webinar Email Sequence Hello ( e-mail 1 after registration ) Webinar email sequence Thank you for your time and registering for the webinar. Here are the details of your upcoming webinar: Webinar Name: Event date & Time: Wednesday,

More information

was the guy in the wrong lane, and he couldn't get out of the way in time! I bet that's what

was the guy in the wrong lane, and he couldn't get out of the way in time! I bet that's what Greg Zimmerman Personal Narrative Fall 2014 Dr. Bethany Clerico The Accident "I'll bet he was in a really bad car accident," my brother said. "Like maybe he was going drag racing down some back road with

More information

Protecting Life We are here when it matters TAL is passionate about helping Australians

Protecting Life We are here when it matters TAL is passionate about helping Australians Protecting Life We are here when it matters TAL is passionate about helping Australians Paying more than $2 million in claims every working day Protecting over 2.5 million Australians A reputation built

More information

What does student success mean to you?

What does student success mean to you? What does student success mean to you? Student success to me means to graduate with a B average with no failing grades. Ferris is ridicules tuition rates don t affect me since I was fortunate enough to

More information

Changing lives, one shoe at a time. May 14th, 2016 Cameron s Shoes Soleman Triathlon. Sponsorship Packet. www.cameronsshoes.org

Changing lives, one shoe at a time. May 14th, 2016 Cameron s Shoes Soleman Triathlon. Sponsorship Packet. www.cameronsshoes.org Changing lives, one shoe at a time May 14th, 2016 Cameron s Shoes Soleman Triathlon ship Packet Dear Friends, Thank you for considering contributing to our charity. Cameron's Shoes was founded by my wife

More information

Protect your students quality of life

Protect your students quality of life Gold Gold Plus Platinum Protect your students quality of life A quality education is an investment in a child s future, providing students with the skills, knowledge and experience to make the most of

More information

14th Annual AIRLIFE Memorial 5k/10K Run and 5k Walk & EMS Celebration

14th Annual AIRLIFE Memorial 5k/10K Run and 5k Walk & EMS Celebration 14th Annual AIRLIFE Memorial 5k/10K Run and 5k Walk & EMS Celebration Proceeds go to the maintenance of the AIRLIFE Memorial Park, EMS education, and charitable assistance for air and emergency medical

More information

CTC in Top 100 List For Technical Certificate of Credit Graduates

CTC in Top 100 List For Technical Certificate of Credit Graduates Trustee Quarterly Chattahoochee Technical College is a Unit of the Technical College System of Georgia. Equal Opportunity Institution. In This Issue Top 100! Saving Lives Trustee Inside Look pg. 2 North

More information

Investing in the Bottoming Process Mike Swanson. We're prepared to do more - The Bernanke. Stock Market Barometer

Investing in the Bottoming Process Mike Swanson. We're prepared to do more - The Bernanke. Stock Market Barometer Stock Market Barometer The Most Influential Financial Newsletter Read By Over 500 Hedge Fund Managers and Thousands of Elite Investors ~ August 5, 2012 Investing in the Bottoming Process Mike Swanson Quote

More information

Draft report of the Survey of Participants in Stage 3 of the Workflow Pilot Non MEs users

Draft report of the Survey of Participants in Stage 3 of the Workflow Pilot Non MEs users Draft report of the Survey of Participants in Stage 3 of the Workflow Pilot Non MEs users Index of questions 1 Please select your role in your CRG... 2 2 How do you interact with the workflow system?...

More information

Dear Community Partner,

Dear Community Partner, 8745 Aero Drive, Suite 111 San Diego CA 92123 T: 858.633.8540 F: 888.686.4722 www.miraclebabies.org Tax ID* 71-1001702 Dear Community Partner, Miracle Babies is excited to begin planning for our 2014 events

More information

Guide to GUIDE TO TRAVEL HACKING WITH ALASKA MILES - INTENTIONAL TRAVELERS

Guide to GUIDE TO TRAVEL HACKING WITH ALASKA MILES - INTENTIONAL TRAVELERS Guide to 1 Who is this Guide for? I created this guide for the average person who simply wants to do more traveling without breaking the bank. It will be especially helpful for people who have an international

More information

Which one of the following best describes your postgraduation

Which one of the following best describes your postgraduation Boise State University At Graduation Survey Department of English Academic Year 2013/2014 When will you be graduating? Fall 2013 (December) 24 35% Spring 2014 (May) 44 64% Summer 2014 (June/July/August)

More information

CALL TO ORDER The Budget Hearing of the Board of Education was called to order by President Spector at 7:11 PM.

CALL TO ORDER The Budget Hearing of the Board of Education was called to order by President Spector at 7:11 PM. MINUTES OF THE BUDGET HEARING OF THE BOARD OF EDUCATION FIELD SCHOOL LEARNING CENTER 2055 Landwehr Rd, Northbrook, Illinois 60062 7:00 PM September 24, 2015 CALL TO ORDER The Budget Hearing of the Board

More information

Q1 Why did you not attend the 2014 AGM in Niagara Falls? (check all that apply)

Q1 Why did you not attend the 2014 AGM in Niagara Falls? (check all that apply) Q1 Why did you not attend the 2014 AGM in Niagara Falls? (check all that apply) Answ ered: 82 Skipped: 1 Cost Content Location Timing Other/Comment 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Answ er Choices

More information

Auto-responders: NEW JERSEY AUTO AUCTION

Auto-responders: NEW JERSEY AUTO AUCTION Auto-responders: NEW JERSEY AUTO AUCTION # 1 Trade Ins Hi Bob, Do you have a car or truck to trade in? If so, you ve come to the right place. The accepts all kinds of trade ins and offers top dollar for

More information

Retired Life in Thailand

Retired Life in Thailand Thoughts on Retiring to the Land of Smiles By Hugh Leong Copyright 2010 by Hugh Leong The author disclaims any liability, loss, or risk, personal or otherwise, which is incurred as a consequence, directly

More information

Information Governance Software that allows Organizations to Track, Monitor and Classify Data in Real Time

Information Governance Software that allows Organizations to Track, Monitor and Classify Data in Real Time ceocfointerviews.com All rights reserved! Issue: September 7, 2015 The Most Powerful Name in Corporate News Information Governance Software that allows Organizations to Track, Monitor and Classify Data

More information

SCHOLARSHIP APPLICATION INFORMATION

SCHOLARSHIP APPLICATION INFORMATION 1 SCHOLARSHIP APPLICATION INFORMATION HoustonWorks USA is pleased to announce the funding of educational scholarships for youth living in the Gulf Coast area. Applicants must be between 17 and 21 years

More information

Email #1 Subject: The Most Effective Online Marketing Tool in the World. It s not Facebook, Twitter, Pinterest, or face- to- face networking.

Email #1 Subject: The Most Effective Online Marketing Tool in the World. It s not Facebook, Twitter, Pinterest, or face- to- face networking. Email #1 Subject: The Most Effective Online Marketing Tool in the World Want to know the marketing technique that has made the biggest difference in my business over the last five years? It s not Facebook,

More information

Farmingdale Chamber of Commerce

Farmingdale Chamber of Commerce 2008 Officers And Board of Directors: 516-249-9090 WEB SITE: WWW.FARMINGDALENYCHAMBER.ORG PRESIDENT: DEBBIE PODOLSKI Farmingdale Public Library Email: debbiepodolski@yahoo.com (516) 249-9090 EXECUTIVE

More information